Standard ErrorsLife insurance plans: Maximum benefit amount

Table 20. Standard errors for life insurance plans: Maximum benefit amount, State and local governmentworkers, National Compensation Survey, March 2012

Characteristics

Withmaximumbenefitamount

Maximum benefit amount1

With nomaximumbenefitamount

10thpercentile

25thpercentile

50thpercentile(median)

75thpercentile

90thpercentile

All workers

3.3

$0.00

$0.00

$0.00

$65,162.95

$94,047.86

3.3

Worker characteristics

Management, professional, and related

3.8

0.00

0.00

0.00

–

28,160.26

3.8

Professional and related

4.1

0.00

0.00

2,343.07

–

67,638.75

4.1

Teachers

4.3

0.00

0.00

–

–

82,286.09

4.3

Primary, secondary, and special education school teachers

5.3

5,411.10

0.00

–

18,184.30

–

5.3

Service

3.9

0.00

0.00

0.00

46,113.56

34,928.50

3.9

Protective service

5.0

0.00

0.00

21,029.74

69,787.10

–

5.0

Sales and office

4.4

0.00

0.00

18,768.02

–

43,485.63

4.4

Office and administrative support

4.6

781.02

0.00

27,165.30

–

23,430.75

4.6

Natural resources, construction, and maintenance

4.3

–

0.00

–

–

–

4.3

Production, transportation, and material moving

7.1

0.00

12,349.09

0.00

30,248.97

55,226.81

7.1

Full time

3.3

0.00

0.00

0.00

65,214.42

93,069.87

3.3

Part time

6.5

0.00

0.00

–

–

–

6.5

Union

3.1

7,326.66

0.00

–

–

7,810.25

3.1

Nonunion

4.5

0.00

8,265.59

0.00

57,801.12

101,833.20

4.5

Average wage within the following categories:2

Lowest 25 percent

5.4

0.00

3,905.12

0.00

39,373.27

144,278.38

5.4

Lowest 10 percent

7.9

0.00

–

0.00

–

–

7.9

Second 25 percent

4.1

4,486.65

0.00

28,040.86

–

31,241.00

4.1

Third 25 percent

4.0

0.00

0.00

20,711.16

50,125.74

92,741.58

4.0

Highest 25 percent

2.7

0.00

0.00

25,041.57

47,610.50

109,343.50

2.7

Highest 10 percent

4.7

–

0.00

–

–

0.00

4.7

Establishment characteristics

Service-providing industries

3.3

0.00

0.00

0.00

65,162.95

94,047.86

3.3

Education and health services

4.3

4,132.80

0.00

0.00

–

79,649.23

4.3

Educational services

4.5

8,828.00

0.00

13,883.80

–

39,051.25

4.5

Elementary and secondary schools

4.9

13,358.95

0.00

–

42,349.13

56,320.51

4.9

Junior colleges, colleges, and universities

4.7

12,569.41

0.00

25,138.81

–

–

4.7

Healthcare and social assistance

6.9

0.00

–

–

–

–

6.9

Hospitals

8.5

10,331.99

29,483.05

–

109,343.50

–

8.5

Public administration

3.7

0.00

0.00

0.00

52,392.75

83,299.16

3.7

1 to 99 workers

7.9

0.00

17,672.58

–

0.00

–

7.9

1 to 49 workers

9.3

–

–

–

61,991.93

–

9.3

100 workers or more

3.3

0.00

0.00

0.00

65,200.38

136,400.15

3.3

100 to 499 workers

5.5

2,209.07

9,533.62

0.00

–

31,725.38

5.5

500 workers or more

3.8

781.02

0.00

0.00

–

96,607.45

3.8

State government

6.5

–

0.00

–

–

93,723.00

6.5

Local government

3.1

0.00

0.00

0.00

32,410.18

92,164.26

3.1

Geographic areas

Middle Atlantic

4.8

–

1,352.77

0.00

0.00

–

4.8

East North Central

3.9

0.00

0.00

–

–

–

3.9

West North Central

13.0

–

–

0.00

141,449.64

–

13.0

South Atlantic

5.3

0.00

0.00

48,303.73

21,474.64

–

5.3

West South Central

6.2

0.00

0.00

–

66,272.17

–

6.2

Mountain

7.4

–

0.00

–

–

–

7.4

1The 10th, 25th, 50th, 75th, and 90th percentiles designate position withineach published series. For example, at the 50th percentile or median, half of theparticipating workers receive the same as or more than the benefit shown, andhalf receive the same as or less than the benefit shown. At the 25th percentile,one-fourth of the participating workers re
ceive the same or less than the benefitshown. The remaining percentiles follow the same logic.

NOTE: Dash indicates no workers in this category or data did not meetpublication criteria. For definitions of major plans, key provisions, and relatedterms, see the "Glossary of Employee Benefit Terms" atwww.bls.gov/ncs/ebs/glossary20112012.htm.

2The categories are based on the average wage for each occupationsurveyed, which may include workers with earnings both above and below thethreshold. The average wages are based on the estimates published in the"National Compensation Survey: Occupational Earnings in the United States,2010." See Technical Note for more details.